Office Insurance

Having the right office insurance cover is important and can potentially save you thousands of pounds in the event of a claim.

Comprehensive Office Insurance Coverage

Office Insurance is a package based insurance product that includes most of the relevant covers for anyone operating an office. Office Insurance is suitable for all non-manual type trades. It is not suitable for trades that have manual work away from the premises or working from home, so always ask when making an enquiry.

Employer’s liability insurance is required by law so this must be included in your office insurance policy. Public liability insurance, while not a legal requirement, is often recommended to prevent you from paying out potentially large sums of money should a member of the public have an accident while at your office.

You may also consider business interruption insurance that will protect your income if you cannot operate your business or use your office. Examples that may cause this are natural disasters and equipment failure. Another consideration is to insure against stock becoming lost, damaged or stolen, either in transit or while on your property. Regardless of your Office Insurance needs, we can help retain coverage that is right for your business.

Terrorism – cover for material damage and business interruption if your business is directly affected by terrorism

Excess Protection – cover for your policy excess in the event of a claim

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Professional Indemnity– provides insurance to protect you from mistakes you make at work that result in a financial loss to your client after you have provided them with a service or advice

Directors and Officers – covers the cost of compensation to a customer if a claim is made against one of your business directors or other staff (not if the claim is made against your organisation as a whole)

Cyber Protection – if your business collects personal data this protects in the event of a breach of data protection laws or malicious data attacks

Oncover Insurance Services Ltd are authorised and regulated by The Financial Conduct Authority, registered number is 306045. The Financial Conduct Authority's Register can be accessed through www.fca.gov.uk. Registered in England & Wales No. 04036567. Registered Address: 89C College Place London NW1 0DR